Call reports 2011
MACON BANK AND TRUST COMPANY — 2011
What MACON BANK AND TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 323,108,000 | 318,186,000 | 315,190,000 | 321,687,000 |
| Total loans | 138,711,000 | 142,083,000 | 140,737,000 | 139,146,000 |
| Allowance for loan losses | 1,872,000 | 1,930,000 | 2,061,000 | 2,106,000 |
| Securities available for sale | 104,361,000 | 106,398,000 | 108,295,000 | 104,261,000 |
| Securities held to maturity | 36,744,000 | 31,068,000 | 32,762,000 | 37,554,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,847,000 | 276,617,000 | 271,825,000 | 277,594,000 |
| Interest-bearing deposits | 247,630,000 | 245,048,000 | 241,673,000 | 244,238,000 |
| Noninterest-bearing deposits | 35,217,000 | 31,569,000 | 30,152,000 | 33,356,000 |
| Equity capital | 36,555,000 | 37,974,000 | 39,784,000 | 39,730,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,298,000 | 6,715,000 | 10,031,000 | 13,244,000 |
| Interest expense | 915,000 | 1,770,000 | 2,552,000 | 3,300,000 |
| Net interest income | 2,383,000 | 4,945,000 | 7,479,000 | 9,944,000 |
| Noninterest income | 463,000 | 963,000 | 1,497,000 | 1,997,000 |
| Noninterest expense | 2,056,000 | 4,049,000 | 6,033,000 | 7,990,000 |
| Provision for loan losses | 140,000 | 290,000 | 440,000 | 665,000 |
| Pretax income | 1,097,000 | 2,401,000 | 3,365,000 | 4,168,000 |
| Income tax | 205,000 | 485,000 | 636,000 | 731,000 |
| Net income | 892,000 | 1,916,000 | 2,729,000 | 3,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,377,000 | 36,070,000 | 36,884,000 | 37,097,000 |
| Total capital | 37,249,000 | 38,000,000 | 38,900,000 | 39,115,000 |
| Risk-weighted assets | 162,475,000 | 163,451,000 | 161,209,000 | 161,380,000 |